Overdraft Protection

Savings Overdraft Service

Savings Overdraft Service attempts to cover Checking Account overdrafts on checks, purchases and ACH payments by transferring funds from your selected Savings Account or Personal Line of Credit. There is a $1 per transfer fee for this service.

Courtesy Pay

Courtesy Pay adds $500 of pre-approved coverage to your Checking Account to cover checks and ACH payments. Your account will be assessed a Courtesy Pay charge of $30 for each item paid against your overdrawn account. Members in good standing are automatically opted-in for this service with no additional authorization needed. You may choose to opt-out at any time.

Premium Overdraft Protection

In addition to Courtesy Pay, Securityplus offers Premium Overdraft Protection to provide $500 in coverage for Visa Debit Card purchases and ATM transactions. Your account will be assessed a Premium Overdraft charge of $30 per item paid against your overdrawn account. You must opt-in to receive this coverage and you may opt-out at any time.

take advantage of Overdraft protection:

Log-in to Online Banking, click on the ''Forms'' tab, and securely complete and submit a form;

Call 410-281-6200 or 1-866-4SECPLUS to request a form; or

Visit the nearest branch

If you opt-in for Overdraft Protection but never use this service, there is no charge to you. You withhold the right to revoke or change your election at any time.

*Revive Checking is not eligible for Courtesy Pay or Premium Overdraft Protection.

**We will charge a $30.00 fee each time you pay an overdraft. There is no limit on the total fees we can charge you for overdrawing your account. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize or pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

— No matter what stage of life you’re in, we can help make the ride a little smoother. —

If you live, work, worship, or go to school in the City of Baltimore; are employed by or retired from SSA or CMS; or are in the immediate family of an existing member, you are eligible to join Securityplus Federal Credit Union.

Founded in 1938, Securityplus is one of the largest credit unions in Maryland, with over 34,000 members and $380 million in assets.

As a not-for-profit financial institution, we provide our members lower lending rates, higher dividends and more services with fewer or lower fees; and our members enjoy membership benefits for life. Welcome to banking the credit union way.

If you live, work, worship, or go to school in the City of Baltimore; are employed by or retired from SSA or CMS; or are in the immediate family of an existing member; you are eligible to join the credit union.